Cheap & Easy Contractor Insurance
Public Liability Insurance
Public liability insurance is a crucial safety net that shields you from the financial consequences of claims made by the general public in connection with your business activities.
What does Public Liability Insurance cover?
Public Liability Insurance offers coverage for various scenarios where you could be held legally liable for injury or property damage to third parties. The six most common forms of cover within Public Liability Insurance include:
Injury
Covering the costs associated with bodily injuries to third parties that occur on your business premises or as a result of your business activities. It includes medical expenses, rehabilitation costs, and legal fees.
Property Damage
Providing coverage for accidental damage to third-party property caused by your business operations. It includes the cost of repair or replacement of the damaged property.
Products Liability
Completed Operations
Protection against liability for injury or damage that occurs after your work has been completed. It’s particularly relevant for businesses involved in construction, maintenance, or installation projects.
Legal Defense Costs
Public Liability Insurance often includes coverage for legal defence costs. This includes the costs associated with hiring lawyers, court fees, and other legal expenses in defending against a covered liability claim.
Advertising Liability
Also known as “advertising injury” coverage, this protects against claims related to defamation, slander, or copyright infringement arising from your advertising or marketing activities.
Is Public Liability Insurance Necessary for You?
Considering public liability insurance is prudent if:
- Your business operates from premises where members of the public, customers, or clients visit.
- Your business hosts off-site events or activities that attract the public.
- Your business operates from your home, and people visit your residence for professional purposes.
Public liability insurance extends its protection to anyone who interacts with your business activities, excluding your employees. This includes:
- Visitors to your business
- Customers
- Clients
- Participants in events or activities you organise
- Spectators at events or activities you organise
It’s crucial to understand that public liability insurance does not cover your employees, temporary staff, students, or individuals on work placements. For coverage in these cases, you’ll need employers’ liability insurance.
Purchasing Public Liability Insurance
You can acquire public liability insurance directly from our online shop, quotes are instantly available online.
The cost of your premium is determined by factors such as:
- The nature of your business
- The number of people you employ
- Your insurance claims history
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Contractor Insurance Brokers is a trading style of Roots Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 930814. Roots Insurance Brokers Limited is registered in England & Wales, number 12676044. Registered office: Jason Works, Clarence Street, Loughborough, Leicestershire, LE11 1DX.
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